HJP Lakes Financial Solutions

06/04/2026

💰 Small Changes. Big Results.

Most people don't become financially successful because of one big decision. They get there through small, consistent habits.

✅ Save before you spend.
✅ Buy what you need, not just what you want.
✅ Let time and consistency work for you.

Consider this:

$10 per day = $300 per month

Invested consistently over time, that small habit could potentially grow into a significant financial asset.

The question isn't whether you can afford to save.

The question is: Can you afford not to?

Your future depends on the choices you make today.

What is one small financial habit you're committed to improving this month?

06/03/2026

Summer Activities and Taxes – Did You Know?

Summer is a time to relax and have fun, but some seasonal activities may have tax consequences. Being aware of them now may save you time and hassle later.

If your child attends a day camp so you can work or look for work, some of the cost may qualify for the Child and Dependent Care Credit. Be sure to keep records and obtain the camp's tax identification information.

Students with summer jobs may be entitled to tax refunds if income tax is withheld from their pay. Adults earning income from seasonal, part-time, or gig work may need additional withholding or quarterly estimated tax payments.

Summer is also a popular wedding season. If you change your name after marriage, update your records with the Social Security Administration. If you move, update your address with the IRS and submit a new Form W-4 to your employer so your withholding reflects your current tax situation.

06/03/2026

Explore Rewarding Opportunities in Financial Services Are you looking for a flexible career, additional income, professional growth, or a way to make a meaningful impact? Join us for a Career Discovery Event and learn how individuals from diverse backgrounds are building successful careers in the fi...

06/03/2026

The IRS sends you a notice! What to do? This month's letter walks you through the process, plus much more!

As summer settles in and schedules fill up, a few smart decisions now can help you avoid costly surprises later. In this issue, there are strategies to strengthen your financial footing – from midyear tax planning opportunities to knowing when to call for help with an IRS notice. There is also...

06/02/2026

🚀 What if one conversation could change your financial future?

✅ Earn part-time income
✅ Learn valuable financial skills
✅ Help families build a better future
✅ Grow personally and professionally

The question is: Will your current path take you where you want to go?

06/02/2026

A client recently asked me, 'Can my IRA become a personal pension?'

The answer surprised them.

With the right strategy, retirement savings can be transformed into predictable lifetime income."

CTA: Schedule a complimentary consultation.

05/29/2026

National 529 Day – Did You Know?

If you put money into a 529 education savings plan, earnings may be withdrawn federal income tax-free when used for qualified education expenses. Qualified expenses can include tuition, fees, books, supplies, computers, and for students enrolled at least half-time, certain room and board costs.

While 529 contributions are not deductible for federal income tax purposes, many states offer a full or partial state income tax deduction or credit for contributions. Some states and plan sponsors may also offer special incentives around National 529 Day.

Recent law changes expanded the use of 529 plans. In 2026, up to $20,000 per year, per student, may be used for qualified K–12 education expenses at public, private, or religious schools. Prior years were generally limited to $10,000 annually.

05/29/2026

Underreported income and math errors are key mistakes that can trigger an audit from the IRS. Having your taxes prepared by a professional can significantly reduce this risk.

The IRS is constantly looking for a reason to audit you. There are several red flags that can identify your tax return as one that needs additional attention. Knowing these indicators can help you avoid the unwanted scrutiny.

05/27/2026

Financial education is not only about growing money —
It is also about understanding how to manage and protect it.

A balanced financial strategy often includes four important areas:

• Growth
• Safety
• Tax Advantage
• Protection

Many people focus primarily on accumulation, but long-term financial stability may also depend on managing risk, understanding taxes, and preparing for unexpected life events.

For example, two individuals may have similar retirement savings, yet experience very different outcomes depending on how well their strategy addresses taxes, healthcare costs, income sustainability, and protection planning.

The goal of financial education is not simply to help people make more money —
It is to help families build stronger, more sustainable financial foundations.

Send a message to learn more

05/22/2026

There's still time to lower your tax obligation. Here are five great ideas to consider.

Now is a great time to assess your current tax situation and address any lingering tax questions that may improve your tax picture this year. Here are five things to consider.